These are nervous times. It can easily distract you and put you off your game when you are faced with the dreaded credit check. Here is a note of encouragement for those of you who are faced with this predicament. Now is the time to start thinking positively about your future. The past is done. Forget about it. You can never go back and try and fix the mistakes you made. Like recklessly maxing out on all your cards.
That’s also in the past. If you didn’t do the right and responsible thing of cutting them up, your creditors did that for you. Most of you will not be looking for new lines of credit any day soon. Because now you are learning that it is far better to save for luxury items and things you feel you need. But many of you will be looking out for new job opportunities. Many of you are sifting through job applications.
And just about every second one of them needs that dreaded credit check for employment purposes. Sorry to be saying it but your future employer does need to know whether you are reliable and can be trusted around the cash register. You can hardly fault them for that. But if your credit score comes up negative do see this as the perfect opportunity to set the record straight for future purposes.
And this is for small business owners too. As a business owner, you can now use the system in a user-friendly way to quickly verify the creditworthiness of your future employees. And here you are within your rights to make a judgement call. But do not be too quick to judge because amongst those candidates will be those who really deserve a second chance.